Top 10 Best Buy to Let Remortgage Rates

Jeni Browne, Head of Regulated and Buy to Let Lending hand-picks her top 10 buy to let remortgage rates for individual applicants.

1

 2.89% (4.6% APR) 3 year fixed 

Key features

• Free legals and valuation
• No arrangement fee
• 60% LTV to £500k
• ERCs apply 
• RTI 145% @ 5%

Borrower types accepted

• "Accidental landlords" 
• Foreign nationals 
• Individual applicants 

Tenants accepted

• Standard ASTs

Property types accepted

• Ex LA houses and flats
• Flats over commercial 
• Vanilla buy to let property
• New builds

 

2

2.29% (4.7% APR) 2 year fixed

Key features

• Free legals and valuation
• £1,999 arrangement fee added to the loan
• 65% LTV to £500k
• 50% LTV to £1m
• ERCs apply 
• RTI 140% @ 5%

Borrower types accepted

• "Accidental landlords" 
• Individual applicants 

Tenants accepted

• Standard ASTs
• Students

Property types accepted

• Ex LA houses 
• Flying freehold
• Freehold conversion
• Vanilla buy to let property

3

2.36% (5.1% APR) 2 year fixed

Key features

• Free legals and valuation
• £1,995 arrangement fee added to the loan
• 70% LTV to £500k
• ERCs apply 
• RTI 125% @ 6%

Borrower types accepted

• "Accidental landlords" 
• Individual applicants 
• Let to buy

Tenants accepted

• Standard ASTs
• Students
• Company lets

Property types accepted

• Ex LA houses and flats
• Flats over commercial
• Vanilla buy to let property

4

3.04% (4.4%) 3 year fixed

Key features

• Free legals and valuation
• £999 arrangement fee added to the loan
• 65% LTV to £975k
• ERCs apply 
• RTI 125% @ 5.5%
• No minimum income requirement

Borrower types accepted

• Foreign nationals
• Individual applicants 

Tenants accepted

• Standard ASTs

Property types accepted

• Ex LA houses 
• New builds
• Vanilla buy to let property

5

3.44% (5.2% APR) 5 year fixed

Key features

• Free legals and valuation
• £999 arrangement fee added to the loan
• 65% LTV to £975k
• ERCs apply 
• RTI 125% @ 5.5%
• No minimum income requirement

Borrower types accepted

• Individual applicants 

Tenants accepted

• Standard ASTs
• Students

Property types accepted

• Ex LA houses and flats
• Vanilla buy to let property

6

3.64% (4.6% APR) 5 year fixed

Key features

• Free legals and valuation
• No arrangement fee
• 75% LTV to £500k
• ERCs apply 
• RTI 145% @ 5.5%

Borrower types accepted

• Individual applicants 
• Foreign nationals
• "Accidental landlords"

Tenants accepted

• Standard ASTs

Property types accepted

• Ex LA houses and flats
• Flats over commercial
• New builds
• Vanilla buy to let property

7

3.45% (4.5% APR) 5 year fixed

Key features

• Free legals and valuation
• £999 arrangement fee
• 70% LTV to £500k
• ERCs apply 
• RTI 140% @ 5%

Borrower types accepted

• Individual applicants 
• "Accidental landlords"

Tenants accepted

• Standard ASTs
• Students

Property types accepted

• Ex LA houses and flats
• Flying freehold
• Freehold conversions
• Vanilla buy to let property

8

2.79% (4.9% APR) discounted

Key features

• Free legals and valuation
• £995 arrangement fee
• 75% LTV to £500k
• 70% LTV to £750k
• 65% LTV to £1m
• ERCs apply 
• RTI 145% @ 5.49%
• No minimum income requirement

Borrower types accepted

• Individual applicants 
• "Accidental landlords"

Tenants accepted

• Standard ASTs
• Students
• Company lets
• Housing association tenants
• DSS tenants

Property types accepted

• Ex LA houses 
• Flats over commercial
• Flying freehold
• Studio flats
• Vanilla buy to let property

 

 

9

2.74% (5.7% APR) discounted

Key features

• Free legals and valuation
• £199 arrangement fee
• 70% LTV to £500k
• ERCs apply 
• RTI 125% @ 5.99%

Borrower types accepted

• Individual applicants 
• "Accidental landlords"
• Let to buy
• First-time landlords

Tenants accepted

• Standard ASTs
• Students
• Holiday lets

Property types accepted

• Ex LA flats
• HMOs
• Vanilla buy to let property

 

10

3.99% (5.3% APR) 2 year fixed

Key features

• Free legals and valuation
• No arrangement fee
• 80% LTV to £500k
• 70% LTV to £1m
• ERCs apply 
• RTI 125% @ 5.35%
• Remortgage at value day one

Borrower types accepted

• Individual applicants 
• "Accidental landlords"
• First-time landlords

Tenants accepted

• Standard ASTs
• Company lets
• DSS tenants
• Housing association tenants

Property types accepted

• Vanilla buy to let property

 
If these rates don't suit, why not try our buy to let mortgage calculator.

 
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27th July 2016